Needing Advice From NFCU Members

[LifeIsAHighway]

Thanks @AverageJoesCredit & @CreditInspired . With a small sample of replies, it looks like the split answer is 50\50. Glad to know that my internal struggle with this question is viewed from both perspectives equally. I can see the pros & cons of both. I have no need for the 3rd CC right now but if the economy tanks completely & credit lines get harder to obtain, that 3rd CC from NFCU may no longer exist or be VERY difficult to obtain.  It would basically be a nice cushion for utilization. On the other hand, since I don't really "need" the card, I don't want to seem too anxious/desperate to NFCU because that is not the case at all. Thank you both for your replies!!!

[Anonymous]

I would slow my roll if I were you if you dont need the credit i wouldnt apply, go for cli thats sp and wont hurt you, you are starting to stack up a lot of new cards, you will start getting toy limits or outright denials with most lenders at this point, if I were to guess that if third navy card is approved I would its not going to have a giant limit 

[recoveringfrombk7]

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@LifeIsAHighway wrote:

Thanks @AllZero  . The temptation is soooo strong! But like I said in my response to @bourgogne , I'm afraid to push my luck, especially in the current economy.

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Worst case you get denied and lost a HP.  I am 1 month ahead of you BK wise and have a 9900 CR / 12500 MR.  Once I pass 91/3 and Flagship SUB is back, I'm going all in.

[gdale6]

As OP has now been approved this thread is closed to further comment. Approval thread is here

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/3rd-NFCU-CC-Approved-amp-CLI-on-2nd-NFCU-CC/t...